三、綜合內部環境，產業環境與總體環境的評估後，策略形成，認為目標之達成有賴執行人員準確的執行，而在執行上的重點，則是達成績效目標，以及增加經營效益。藉以維繫T銀行「逾期放款比率最低」之目標。 This study concentrates on the current development of Non-Performing Loan in Taiwan with emphasis on business strategy formulation to official’s execution so as to assess the internal environmental factors and external environmental factors through the mission statement of the target company; and thus summarizes the critical factors related to the strategy formulation, thereby initiating business strategies and presenting the findings to the student loans. Making use of the explosive case study method, this study has studied the related archives comprehensively, and collected secondary date extensively with findings as follows:
1. With the business mission statement, the internal environmental assessment factors and external environmental assessment factors are critical for business strategy formulation. As to the target company, the dealing with non-performing loan did not competitive superiority of is the official’s execution for ever. It’s a key factor to be the new business strategy formulation.
2. With the mission statement, this study has assessed the internal and external competitive environmental of the target company together with the macro environmental factors so as to summarize the business strategy formulation factor diagram and execution diagram. The three environmental key factors are sufficient for the target company to formulation its business strategies so as to achieve goals and modify its specific business strategies.
3. After internal environmental assessment, industrial environment assessment and external environment assessment, to think that goals to be achieved depend on accurate executing. The most important thing is how to maintain the lowest ratio of non-performing loan.